Types of health insurance for small businesses

• Cons:
o With a PPO plan, participants are liable for a copayment
of around $10 to $15 any time they visit
an in-network doctor, and co-pays are higher if
they visit a doctor outside the network.
o For some categories of service, participants must
also meet an annual deductible before the plan
pays for those services.
o Plan participants are liable for filing their own
claim paperwork if they visit a doctor outside
their network, which may be a hassle.
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